FREE AND CLEAR: There's plenty of money to be saved, now find it

No, not the kind you get in a birthday card or if you've stumbled across a few items you can put on eBay, but rather day to day products or services you use all the time that can be whittled down to save money for months and years to come.

When was the last time you checked your auto insurance or inquired to see if you're eligible for discounts? Auto insurance is a unique monthly or yearly expense in that most consumers just assume the rate is the best deal possible, and take it as gospel. Truthfully, your auto insurance may contain fees and service charges that you don't need or you could look into dropping additional coverage that is unnecessary, like on an older vehicle. Much like car insurance, you're probably blindly paying for over the counter pharmacy items such as contact solution, cold and flu medications or other supplies you'll need every year. You'd be wise to check into whether your employer allows for a pretax flexible spending account, allowing you to see aside money before that paycheck is cut. Finding free money goes beyond insurance and pre tax benefits. What about for a younger demographic, like college students? They're gladly trade in those Ramen Noodles and old pizza crusts for a little more money in their pocket. That can come through using online tools and web sites that allow you to rent book, rather than buy them. The idea of owning a Spanish or that introduction to calculus textbook seems outdated, unless of course you plan on doing more than just dabbling in those aforementioned subjects. Another easy free money tip that pertains to everyone is buying a new car. Those car buying connoisseurs know how to garner the very best deal on that new vehicle. One tip tips the scales in a favorable direction for the customer and anyone can do it: waiting. Most car dealers can't wait to unload last year's model for record low prices, and buying a new car or truck couldn't come at a better time if you hit the sales floor in October, November or December. One famous marketing line spewed by car commercials is “have to make room for the new 2015 models,” and they're actually not lying in that regard. Managers and salespersons will be more apt to bend the sticker price in your favor, and that could translate into thousands of dollars in your pocket. And, most importantly, a new(ish) car and a monthly payment you can handle. In any instance, there's only so much money to go around. Stretching that dollar goes much farther, especially when that money isn't technically yours.